A free one-minute scan of your mortgage and property records. No credit pull, no SSN.
$1,500–$2,500/year
Most homeowners who put less than 20% down pay an extra monthly fee called PMI (private mortgage insurance). Once you've paid down enough, or your home has gained value, federal law (the Homeowners Protection Act) generally lets you cancel it. Most people never ask.
$300–$1,200/year
Counties often assess homes higher than recent sales support, and the bill rolls forward year after year. We compare your assessment against market data and show you how to appeal with your county.
$300–$1,200/year
If this is your primary home, filing for a homestead exemption can lower your taxable value — and in many states cap how fast it rises. We check whether it's on record and show you how to file, usually for free.
Checked daily
We watch the market every day. If refinancing actually pencils out after fees, we'll tell you.
Cost and savings figures are estimates. PMI ranges reflect published CFPB and Freddie Mac data (0.58–1.86% of the loan per year); property-tax and exemption ranges are TrueOwn estimates. Actual savings depend on your loan, the company that services it, and your current home value. TrueOwn outputs are estimates and drafts, not legal or financial advice.
See which apply to your homeThree steps. About a minute. Free during pilot.
We pull your home's value, recent nearby sales, and your tax history from public records.
No account, no credit check, just the address.
PARCEL 30-4209-001-0250
Miami-Dade County
Tax roll · 2025
Down payment, interest rate, the year you bought, and the company that bills you each month. About thirty seconds.
Rough numbers are fine — nothing to link, nothing to download.
Mr. Cooper
Loan ••4821
A one-pager of what looks worth chasing — dropping mortgage insurance, lowering your property taxes, refinancing — with a draft letter to your servicer if there's something to send.
Free during pilot. Yours to keep.
Estimate only. TrueOwn doesn't guarantee PMI removal, tax savings, or refi savings. Your servicer, county, or lender makes the final call.
PMI cancellation letter
Addressed to Mr. Cooper
Most mortgages quietly leak money.
Not because they're careless. Because nobody's watching. Mortgage insurance keeps charging after you no longer need it. Your county over-assesses and the inflated bill carries forward. Rates drop and nobody tells you. By the time you notice, you've already paid for it.
TrueOwn watches your mortgage every day and tells you when it's time to act.
Grounded in the same federal rules every U.S. servicer already follows: HPA and RESPA Regulation X.
Outputs are estimates and drafts — not legal or financial advice. Every signal links back to the data we read so you can decide what to do with it.
One dashboard, checking your loan every day. Here's what'll make it ping you.
A higher value can put you in range to request PMI removal. We see it the day it happens.
Checked daily. You hear from us when refinancing would actually save money after fees.
Each new assessment gets compared against market data. We flag it when it looks worth appealing.
If a homestead exemption is missing from your record, we spot it and show you how to file.
Last reviewed
You've seen what we look for. Now see which of them apply to yours. About a minute, no card, no credit pull.
Available to homeowners nationwide.